निजी क्षेत्र का बैंक (Private Bank)सभी पात्र नागरिकस्वीकृति गति: Within 24 to 48 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

इंडसइंड बैंक पर्सनल लोन

IndusInd Bank personal loan up to ₹50 Lakhs with video KYC and paperless digital sanction.

ऋण राशि सीमा₹50,000 to ₹50,00,000

ब्याज दर (APR)10.49% - 26.00% p.a. (risk-grade fixed)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्कUp to 3.00% of loan amount + GST

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

IndusInd Bank's multi-purpose unsecured personal loan for salaried and self-employed individuals, offering large funding lines up to ₹50 Lakhs with rapid online processing.

प्रमुख लाभ एवं विशेषताएं

• High loan quantum up to ₹50 Lakhs for comprehensive funding needs • Video KYC enabled 100% paperless digital application • Zero prepayment charges after completing 36 months • Transparent online repayment schedule.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Salaried employees and self-employed individuals with minimum 2 years continuous employment/business. Min Age: 21, Max Age: 60. Min Net Monthly Salary: ₹25,000. Min CIBIL: 720.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

Prepayment/foreclosure permitted after 12 months with 4% fee + GST; NIL prepayment fee if closed after 36 months.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address Proof: PAN Card, Aadhaar Card, Passport • Employment Proof: Employee ID card, appointment letter • Financial Proof: Last 3 months payslips, latest Form 16 • Bank Statement: Last 6 months bank statement showing salary credits.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• Steep upper interest rate band reaching up to 26% for lower credit scores. • 12-month lock-in before any foreclosure or part-payment is allowed. • Heavy 4% foreclosure fee between months 13 to 36. • Strict salary thresholds for metro cities.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Log into IndusNet or IndusMobile app > Loans > Personal Loan. Pre-approved limit displayed. E-sign via OTP.

2. नए ग्राहक (ऑनलाइन):

1. Visit indusind.com > Personal Loans. Submit PAN, Aadhaar, and salary details. Complete Video KYC and e-NACH mandate.

3. बैंक शाखा में जाकर:

1. Visit nearest IndusInd Bank branch with payslips, Form 16, and bank statements.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum loan limit in IndusInd Bank?

Up to ₹50 Lakhs depending on your net monthly salary and credit score.

When can I close the loan without penalty?

Foreclosure is completely free of charge after completing 36 regular monthly EMIs.

Is video KYC available for fresh applicants?

Yes, new customers can complete end-to-end digital onboarding via Video KYC.